Umbrella Insurance in Michigan

Umbrella insurance michigan

What Is Umbrella Insurance?

Umbrella policies cover claims in excess of your underlying home, auto, rental dwelling or boat insurance policies. It can even help cover defense costs, attorney fees, and other charges associated with lawsuits.

More and more homeowners, drivers and business owners are purchasing this relatively low-cost, high-value coverage option.

Interested in learning more about umbrella insurance in Michigan? Contact our team today.

What’s Covered

You may be thinking, “my auto and homeowner’s insurance covers most of these situations.” While this is probably true, umbrella insurance insures you above and beyond the limits of those policies.

Examples of umbrella policy coverage include bodily injury liability, property damage liability and landlord liability insurance. These types of coverages can cover situations such as:

  • a serious auto accident when you’re at fault
  • the damage to someone else’s vehicle
  • someone tripping on the stairs of your rental property and suing you for damages.

What’s Not

Typically, an umbrella policy doesn’t provide coverage for:

  • your injuries or damage to your personal property
  • a criminal or intentional action causing damage to someone else

Interested in learning more about umbrella insurance in Michigan? Contact our team today.

Umbrella Vs Excess Insurance: What’s the Difference?

Most people confuse umbrella insurance and excess higher liability insurance as the same thing. However, there are some key distinguishing factors between the two.

Excess liability covers losses above the limits of your primary insurance policy. However, umbrella liability offers higher liability limits and also provides coverage where your primary policy may not.

While both an excess liability and an umbrella policy offer higher limits of protection that exceed the limits of a base liability policy, an umbrella policy broadens the scope of coverage as well.

Basically, you can apply umbrella insurance when there’s no insurance to cover the losses. Whereas excess insurance solely protects damages that are protected by the primary insurance policy.

Interested in learning more about umbrella insurance in Michigan? Contact our team today.

Commercial Umbrella Insurance in Michigan

Businesses and corporations can also purchase commercial umbrella policies. This provides an extra layer of liability protection that goes beyond your underlying liability coverage limits.

However, umbrella insurance doesn’t serve as a standalone policy. It compliments your existing liability coverage, such as commercial general liability insurance.

Not Sure If Umbrella Insurance Is Right For You?

Umbrella policies are typically very affordable and the increased protection can be invaluable.

At Insurance Network Agency, we’ll work to find the right umbrella insurance coverage for you or your business’ needs. Contact us today to get started.

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Our agents are ready to ask the right questions to help you get the best coverage at the best price. Request a proposal now.

Insurance Network Agency

Battle Creek, Michigan
732 Capital Avenue, SW
Battle Creek, MI 49015
(269) 968-0577

Monday - Friday: 8:30 am - 5 pm

Smith Pulling Insurance Agency

Albion, Michigan
800 South Superior Street
Albion, MI 49224
(517) 629-5555

Monday - Friday: 8:30 am - 5 pm

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